The ACA’s Risk Spreading Mechanisms: A Primer on Reinsurance, Risk Corridors and Risk Adjustment

The 2010 Affordable Care Act (ACA) health reform law established state-based health insurance exchanges to provide an individual market for qualified health insurance plans. The state exchanges sell insurance plans to any citizen, regardless of health status. Enrollees who purchase plans through an exchange can receive federal premium subsidies if their household income falls between 100 and 400 percent of the federal poverty level. This primer provides an overview of the ACA’s risk mitigation provisions that apply to individual and/or small group market plans: reinsurance, risk corridors, and risk adjustment.

The Daily Dish

The daily influx of Central American children is a crisis that is appalling in its character and scale. It demands a focused and swift response; quite simply inaction is not an option. The bad news is that the White House has shifted from indifference to a strategy of stonewalling and playing politics. The good news is that House Republicans yesterday announced a plan to address the growing tragedy.

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